Joe, The cheque and letter came from HSBC not DG. It was an individually written letter where someone just changes the address and account details on their pc screen, but on this occassion the letter was addressed to one person, with the cheque made out to another person! The cheque was stapled to the letter. So, there was obviously no check that the name and address and the account number tied up, and no check that the cheque was being stapled to the letter with the same name on!! Sorry, but HSBC at fault, big time.